Fertility Insurance or Loans

So my insurance doesn't cover ANY fertility. Was wondering if anyone out there bought special insurance or used loans and if so what company? Im looking into either if clomid doesn't work for me as I am on my 3rd cycle. Thanks.

[pol79princess]

I didn't use it, but my fertility clinic offers loans through different banks in my area. Check with their financial advisor if you are going to a clinic.

[Heaver]

Yeah, there is a "loan" I can get, a medical loan. Didn't know if there was some sort of insurance I could get or anyone else's situation.

[pol79princess]

I actually looked into getting individual insurance with infertility coverage, but only group plans (very few at that) offer such coverage, no individual plans ever do. What I mean is that if you want to buy a policy on your own (not through your work), infertility won't be covered. Hope that's what you were asking about :)

[Heaver]

yes, that is what I was asking. Guess I need to move to start where if you employee more than 25 people your insurace has to have it, like Illinois. LOL, almost be worth it for the price of infertility treatment.

[trh0819]

I would also suggest talking to the finance coordinator at your fertility clinic. When we met with ours, she of course offered up options with companies that required paying interest on the loan amount. We didn't want to do that. She then offered our paying half up front and the rest over the course of the next 6 months. No interest. No filing with other companies. Worked out perfectly for us and was the easiest way to go without having to pay anything extra since our insurance covers nada. Might be worth checking into. Worst they can say is no.

[Kricket212]

I work for the US post office which has great coverage thru GHI if anyone needs it that works here.

[mlb1234]

My insurance is also excellent for infertility and IVF - I work for Howard Hughes Medical Inst.  - they have labs all over the country and hire scientists, office, computer  people, etc.  My IVF is virtually free except for copays.  I had to be preapproved by showing 1y of infertility.  (I buy the highest family plan which is only $100/month).  It is through Carefirst Blue cross/Blue Shield and I highly recommend it and HHMI!!

[LivingInFaith1971]

Hi there,
I read your post and I know that in South Florida, IVF of Florida Reproductive Associates have a program called Step Ahead where they will give you up to 50% of the cost of IVF.  I hope that was helpful if your in Florida.  Good Luck!!